# ROBINS FINANCIAL
Warner Robins, GA · NCUA charter 68670 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/robins-financial-68670

Who the members are: state charter, organized 1954, low-income designated. 272,542 members of 4,144,301 potential (6.6% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.91B |
| Members | 272,542 (0.0% YoY) |
| Full-time staff | 535 |
| Net worth | $851.0M |
| Net worth ratio | 17.3% (p97 of band) |
| ROA (annualized) | 1.79% (p98 of band) |
| Total delinquency | 0.33% (p19 of band) |
| Net charge-offs (annualized) | 0.41% (p37 of band) |
| Loans / shares | 69% (p14 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p58 of band) |
| Operating expense / assets | 2.63% (p21 of band) |
| Vehicles % of loans | 53% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 121% (p44 of band) |
| Vehicle delinquency | 0.48% (p36 of band) |
| Vehicle NCO | 0.49% (p17 of band) |
| Repossessed % of vehicle book | 0.02% (p31 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 25% |
| Average share balance | $8,796 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.8M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,285 |
| Loans granted, annualized | $1.07B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.8M outstanding purchased (0.8% of net worth), $2.2M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | 3rd-party paper>100% NW |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | auto monoline |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | auto monoline |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | margin squeeze, auto monoline |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | auto monoline |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-30 [Robins Financial Credit Union announces new Vice President of Strategic Solutions - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQbVA0OGwwQVktS2dEcERET1N3dVBsb0NZYUFYMzdNWFJDMjg1Q1FQOVlmWFAyM21EQmVIQjRsVHVMS2J1V1poR3dnc2IweWFQa3VZTUxBWUx5RVE2VnljVGp0SGczb3J0NzVMQXdjNGh0Uy1Ra2x0V2tFQ3NTdHpha3I0dkU5NlZLZ3Y2bllYZXRTS2xuY2dEbkhBSUhTQS1IZ1pncXdOMVpqSkNHZk1MVXNuS0stV1Y5QnlkeWszYw?oc=5) · CUInsight
- 2026-05-05 [DUI hit-and-run crash damages Robins Financial Credit Union location in Macon, sheriff's office says - 13WMAZ](https://news.google.com/rss/articles/CBMihAJBVV95cUxPREZrMkc1bWZXa0RfVl9XS3hyU1hadi1vM2Uwc3hPbVdYSXNZODJBY3c3VnZweUItaUp4dVE4TTFZekZNdU00TDlacWZESGE4NWQ2SXBKX1RHZ2pCSTZNUDZoUnJXTm1KRF80dl9aWEhXV1QyT09xRmJDUzI1ZmR0ckdhRmg1cmRqbF9IdGJoVDg2azlFOHZGaFVRa2YzODFlWFVlQnZsS2daZ2FaSk1SOXp4aHJYRndreFZGSlpyTF9XWXRiTU00T19Bc0FpcVQ1MVZOeVhRN0NsTkhnNEUyYmM1M01weEg3NzNteVZkODA5WHJ1eVA4LTlXOWh6UnZMaFEzSg?oc=5) · 13WMAZ
- 2026-02-20 [Mercer acquires downtown Macon’s historic Capitol Theatre - den.mercer.edu](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbjRfZHIzNFdEZWVSNEpiX245RmdZYVh3bEpYbVNURGJMbldmbmF2cFpUOTR0dGN5TjlkcW1tbEl6Q05FeTFHSk0wazRqc2cyb1liQm1oeUhtT1FTT0szcWI2RGExcVN6S0ZHS2pHa3puWEdyeDJ0Ylg0elNKbEg2QTl5YkI3YzA?oc=5) · den.mercer.edu
- 2026-08-10 [Robins Federal Credit Union Bulletin For Sale - Oma Erto](https://news.google.com/rss/articles/CBMifkFVX3lxTE5zUmpVUnJnZlhmWEhvZUpfZkxJSjhGNXBpcXZXSlhPdTR4cVpLTXdNZ1p1MGR0S01vaXoyUFFuNFhndWUzNHRGM05tLS1qUmN1WlFaRzVZd2U0b3otUmI1OXpVbFA0Q2VjZDZvMmxyT1ptd0xZWWZ2V2FzWEtUdw?oc=5) · Oma Erto
- 2026-01-15 [In Memoriam: Former Robins Financial CEO Edward 'Buck' Levins - CUTimes](https://news.google.com/rss/articles/CBMimgFBVV95cUxQM0FRcDM4NnJUWjFuVVAxeHhvWmtjMThvVnl6UXNjbjliaGxGMnFXSDgzc21KQURPRnhNWGxkUVpvcVZxTWtkR1NyZ2k1OGp1RlBjb0liOEsxYkEwVU1ZenhCSWttbHdUU1NBQy12S2ptU1c2blhldzFMWXhDVm43bzJOdXkwQkZIY0ZDNUhNWjVTSGJQNklVU3ln?oc=5) · CUTimes
- 2025-10-03 [Robins Financial Credit Union offering financial relief to members during government shutdown - 41NBC News](https://news.google.com/rss/articles/CBMitwFBVV95cUxQNnhqZnl5WjNWRURJWVV1ZjliZHpxbk10eDJxVHR1OFFTalc5a2xJbGgwZjJhWFFWRmIwTV8tZUhUVU11VXVDbVlla1JKR3NyM3I4UE9maE9JS3JwMHJRRUdRLW9GZTVwUzUwOG5ibEx1UHl4LXN5NEJ0djBvaU93NWsxVXZYNUxfMndoQ0lBdjJqYkYwNDJhS19DRlVaUzZGNmpKWGJGcGZKVV9PM0RLcVA1cFVhQms?oc=5) · 41NBC News
- 2025-12-23 [Local non-profits receive $192,000 in donations from Robins Financial Credit Union - CUInsight](https://news.google.com/rss/articles/CBMivgFBVV95cUxPTEhYUWg4Q2Q2R2dRV01LemlfTTRCWUNKY3k5Y3daNTd3aHdpXzJvV0o5S1lIR3JyZWJTLUNxM3g0SUNVbU5FOVc5ckdDeGlyaWVRd2tjQ2lCM1oxNV9yNDAxZFRKMzMzaGxkR0o0TUNjaTNMSGVORmZFeUtucndCNmhESUFuY2xLT2tQajU3YnB2d2E4d2M2S2tobkdoM1BxZUpQLXJpSDR5ajFWTHlQTExoTl92Q0dKZnM5ajJB?oc=5) · CUInsight
- 2026-01-08 [The Best Savings Accounts in Georgia for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE95SzQ0Z0tyUmZnelB6ektsVVRxbFUtdVdzTXRPQ1pyZ0dKVTdmY3NVXzhoMWUtYUxlaEhSZEZrWWtSY3JZUDdFSDR0OHJCR3JJbUNjbVpocGl2eGhpdkhrd1B0YU1ETG1sNzBvdjd1Ulo5UnFmOGhr?oc=5) · moneyrates.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68670 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/62.json (key "68670", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68670
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide